Capital City Bank
Capital City Bank reported total assets of $4.4 bn at Q2 2026, up 1.3% on a year earlier, the 309th largest of 497 banks in our US coverage. The CET1 capital ratio at Capital City Bank was 18.18%, and the uninsured share of Capital City Bank was 47.83%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Capital City Bank slipped from 155th to 219th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Capital City Bank apart
How large is Capital City Bank?
The balance sheet of Capital City Bank at : assets $4.4 bn, deposits $3.8 bn, net loans $2.5 bn (loans equal to 65.58% of deposits). Securities make up 25.9% of total assets at Capital City Bank. Since , when Capital City Bank held $2.8 bn, its assets grew 60.5%. In the year to , deposits at Capital City Bank rose 0.7% while its total assets rose 1.3%. At , Capital City Bank employed 901 full-time equivalent staff across 67 offices, about $4.9 mn of assets per employee and $57.0 mn of deposits per office.
How much funding at Capital City Bank is uninsured?
At Capital City Bank, uninsured deposits (above the FDIC limit) made up 47.83% of domestic deposits at (+2.08 pp on a year earlier); Capital City Bank ranks 102nd of 500 on this measure. In dollars, Capital City Bank estimated $1.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.8 bn | +0.7% | 296th of 499 |
| Net loans and leases | $2.5 bn | -4.5% | 361st of 500 |
| Loan-to-deposit ratio | 65.58% | -3.56 pp | 436th of 500 |
| Tier 1 leverage ratio | 10.29% | +0.54 pp | 253rd of 500 |
| Total risk-based capital ratio | 19.43% | +2.14 pp | 44th of 448 |
| Net interest margin | 4.33% | +0.04 pp | 82nd of 500 |
| Return on assets (ROA) | 1.52% | +0.01 pp | 150th of 500 |
| Efficiency ratio | 64.75% | -0.11 pp | 393rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $10.4 mn | Narrowed by $3.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $18.8 mn | Widened by $843,000 | |
| Noncurrent loans to total loans | 0.40% | +0.15 pp | 145th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.03 pp | 290th of 500 (1 = lowest) |
US rank of Capital City Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Capital City Bank: assets, deposits and loans
- Total assets $4.4bn
- Deposits $3.8bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of Capital City Bank stood at 18.18% in , +2.10 pp year on year. Low and high at Capital City Bank since : 13.10% () to 18.18% (). Equity capital of Capital City Bank at : $527.4 mn, or 11.9% of total assets. Capital City Bank also reported a total capital ratio of 19.43% for , and a tier 1 leverage ratio of 10.29%.
On held-to-maturity securities, Capital City Bank carried an unrealized loss of $10.4 mn at , equal to 2.0% of equity capital. The loss narrowed by $3.3 mn over the year. Its deepest point: $52.6 mn in . The available-for-sale portfolio of Capital City Bank showed an unrealized loss of $18.8 mn at ; the loss widened by $843,000 over the year.
Capital City Bank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 10%
Capital City Bank: unrealized securities gains and losses
- Available for sale -$19mn
- Held to maturity -$10mn
Profitability and loan quality
For the year to , Capital City Bank earned a return on equity of 12.85%; return on assets: 1.52%. Net interest margin at Capital City Bank: 4.33%, +0.04 pp in a year. Capital City Bank net income: $33.6 mn, up 1.3% year on year. The efficiency ratio of Capital City Bank was 64.75%: about 65 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.40% of total loans at Capital City Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at Capital City Bank: $2.5 bn, down 4.4% in a year.
Capital City Bank: profitability
- Return on equity 13%
- Net interest margin 4.3%
- Return on assets 1.5%
Peer group of Capital City Bank
The peer group of Capital City Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Capital City Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Florida. Against them, Capital City Bank shows CET1 ratio 18.18% against a peer median of 12.53%, return on equity 12.85% against a peer median of 12.68% and uninsured deposit share 47.83% against a peer median of 32.91%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Metro City Bank | State nonmember bank | GA | $4.5 bn | 17.14% | 17.77% | 32.79% | |
| Arrow Bank | National bank | NY | $4.5 bn | 12.71% | 11.47% | 30.32% | |
| ChoiceOne Bank | State member bank | MI | $4.5 bn | 11.81% | 10.68% | 33.04% | |
| Capital City Bank | State member bank | FL | $4.4 bn | 18.18% | 12.85% | 47.83% | |
| HomeTrust Bank | State member bank | NC | $4.4 bn | 13.74% | 11.44% | 26.47% | |
| American Business Bank | State nonmember bank | CA | $4.4 bn | 12.35% | 15.17% | 75.74% | |
| First Business Bank | State nonmember bank | WI | $4.4 bn | 11.17% | 13.89% | 33.17% | |
. FDIC Call Reports.
Last eight quarters
Two years at Capital City Bank, to : assets +5.5%, deposits +4.3%, equity +12.9%. Staff 772 to 901; offices 68 to 67.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.2 bn | $4.3 bn | $4.5 bn | $4.4 bn | $4.3 bn | $4.4 bn | $4.5 bn | $4.4 bn |
| Total deposits | $3.7 bn | $3.8 bn | $3.9 bn | $3.8 bn | $3.7 bn | $3.8 bn | $3.8 bn | $3.8 bn |
| Bank equity capital | $467.0 mn | $480.7 mn | $492.6 mn | $501.8 mn | $510.6 mn | $517.8 mn | $522.4 mn | $527.4 mn |
| CET1 ratio | 14.80% | 15.24% | 15.56% | 16.08% | 16.65% | 17.26% | 17.69% | 18.18% |
| Return on equity (ROE) | 12.49% | 12.53% | 14.02% | 13.49% | 13.15% | 12.74% | 12.74% | 12.85% |
| Uninsured share of domestic deposits | 44.35% | 46.18% | 46.44% | 45.75% | 45.08% | 46.39% | 46.89% | 47.83% |
| Full-time equivalent employees | 772 | 768 | 939 | 942 | 931 | 932 | 903 | 901 |
| Number of offices | 68 | 68 | 68 | 68 | 68 | 67 | 67 | 67 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Capital City Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Capital City Bank?
Capital City Bank reported $4.4 bn at in its Call Report. That makes Capital City Bank the 309th largest of 497 banks in our US coverage.
Is Capital City Bank the same as its holding company?
No. This page covers Capital City Bank, FDIC certificate 9622; CAPITAL CITY BANK GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Capital City Bank profitable?
Capital City Bank reported net income of $33.6 mn for the year to ; annualized return on equity: 12.85%. So yes: Capital City Bank made a profit over these months.
When is data for Capital City Bank next updated?
Figures from Capital City Bank for are due after .
Where can I check the figures for Capital City Bank?
In the FDIC BankFind Suite record for certificate 9622, and in the Call Reports of Capital City Bank (RSSD ID 876634) at the FFIEC Central Data Repository.